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Timeshare Association Insurance Needs

Many businesses experience variances, but some companies remain steady no matter what. Timeshares, for example, remain consistently popular. Over 7% of Americans own timeshares. This is great if you own a timeshare association, but are you aware of your potential liability? If you don’t possess commercial timeshare insurance, you might want to consider it.

Wholesale Insurance

The nature of timeshares is that there are individual owners for the buildings. As a property or site manager, you don’t need to worry about most things. However, homeowners insurance doesn’t cover everything. And if you’re responsible for a timeshare association, you might want to look into what extra coverage is available to you in case you’re ever held liable.

Directors and Officers Liability

If you own an association, you might also be a board member. It’s important to know where individual owner responsibilities end and yours begin. One of the most frequent claims against timeshare associations involves the selection and management of contractors. If you are responsible for hiring and supervising a contractor and that contractor causes damage to an individual property, you might be held liable for that. You could also be held liable in many different contractors related lawsuits and allegations. Having the proper wholesale timeshare insurance can help prevent costly lawsuits.

Commercial Umbrella Liability

Any timeshare can experience catastrophic damages due to a natural disaster. You want to make sure you are covered for any disaster-related costs that individual homeowners’ insurance may not cover.

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Independent Contractor’s Coverage: Is It Necessary?

Independent Contractor’s Coverage: Is It Necessary?

In terms of insurance misconceptions, a major one deals with independent contractors. Many believe that independent contractors don’t need insurance. The truth is that contractors are vulnerable to lawsuits in the same way that business owners are. So, if you’re wondering if you need independent contractors liability insurance, here are the reasons why.

Business Protection

You should want to protect your business! If you have a landscaping company, you need general liability or you may lose more money than you gain and your business will suffer for it. Any job where you perform a service, you can suffer a lawsuit.

Client Protection

Your client may expect you to have protection. Say that you’ve been hired on for a project, but before you sign any paperwork, he or she asks if you have general liability. If you do not have the coverage, you’re liable for any damages that occur. A client may pass on your services if you don’t have insurance.

Legal Requirements

The laws differ when it comes to your industry. For instance, if you are working in a low-risk occupation, the law might not require it. However, if you work in the construction industry, most states require that you have some form of liability coverage.

Independent contractors liability insurance is not a coverage that you want to forget about. Liability is as important to independent contractors as it is to employers.

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Why Daniels is The Right Choice

Among the dozens of different insurance agencies to choose from, you may be wondering what sets Daniels Insurance Agency apart? Well, take our eight decades of history in the industry as an example. Our years of experience has made us one of the leading New Mexico agencies. We have the background and expertise to offer both business and personal insurance. Here are three more reasons why working with us is the right choice.

1. Trust

Our team members build a relationship with every client. They do so by listening to their needs and opening up an open line of communication. This makes a team between agent and client that is built to last. Our clients trust that their assets are in good hands with us.

2. Dedication

As an independent agency, we have also made great relationships with unusual insurers. This allows us to craft the best policy possible. We fight for the best rates and most comprehensive plans so that you don’t have to deal with agencies yourself. We dedicate ourselves every day to building your best future.

3. Knowledge

Daniels Insurance Agency has the experience to offer significant policies for many types of business. Our clients include oil & gas, electricians, construction, hospitality and public entities. We are also ready to help families with auto, homeowner and umbrella coverage.

Stop by one of three convenient offices to learn more about how you can get fantastic insurance.

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Protecting Your Business in Orlando

Protecting Your Business in Orlando

There’s no better way to protect your business from financial troubles and lawsuits than with an insurance policy that covers the risks you face. If you’re searching for business insurance in Orlando, then you’ve come to the right place.

Insurance Products for Your Business

Business risks can take many forms and wreak havoc if left unchecked. That’s why an insurance agent performs a thorough risk assessment of your business and creates a customized plan that increases protection for those risks specific to your company. The following are some of the coverage options available to your business:

Professional liability
General liability
Employment practices
Cyber liability
Inland marine
Workers’ compensation
Surety bonds
Commercial property

Professional protection comes in many forms, including those listed above. However, each business faces unique risks and the policy should not be treated as a one-size-fits-all situation. That’s why a risk assessment is essential for the system to deliver adequate protection to your business.

Safety for Your Business in Times of Crisis

To protect your business, your employees and your professional reputation, you need business insurance in Orlando. A policy can be tailored to meet the specific needs of your business and lessen the risks you face in your industry so you can focus on your business instead of the unforeseen dangers.

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Changing Weather: Use These Tips for Safe Portable Restrooms

Portable restrooms are a mainstay when visiting festivals, large outdoor events or on construction sites. The number of portable restrooms used rises beginning in spring when the chance for inclement weather also rises. Along with having the New York Marine and General Insurance company phone number handy, keep these other tips in mind.

High Winds

When the winds blow fiercely, tip overs can happen at a higher rate. If transporting units, securely fasten them down to the truck bed. Position units to prevent tip over during normal windy conditions for the area.

Natural Disasters

Prepare a risk management plan for a natural disaster. Take care of the things you can control ahead of time. Sanitation is a crucial help when disaster strikes. Be ready to answer the call to provide an essential service.

Rising Temp

As the temperatures start rising in preparation for summer, your company may need to increase the service schedule. Regularly use deodorizers, check ventilation and pay attention to water tank levels to help combat odors and flies during warm days.

Having a checklist and preparing for potential weather events keeps your business from having an interruption in service. Call the New York Marine and General Insurance company phone number if you need to file a claim or have a question. An often overlooked industry, sanitation makes modern life better.

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Tips for Moving to Ridgewood

If you are interested in moving to a village chock-full of community parks, historical sites and natural preserves then Ridgewood, New Jersey may be the ideal destination for you. To make the most of your stay it is important to make some considerations before loading up that moving truck. If you plan on relocating, be sure that you are affairs are in order including finding insurance near Ridgewood to keep you covered.

Items for Your To-Do List

Adequate preparation beforehand can improve the likelihood of enjoying your new location by minimizing stress and helping you to focus more on the benefits of your new location shortly after you arrive. Some tasks that you can complete in advance include the following.

Preparing documents for the New Jersey DMV if you are moving from out of state or an international location.

Contacting real estate agents or doing online searches 2 research housing options Using job search engines to begin the application process for a new job if needed.

Joining community forums to get a better feel for your environment and neighbors and as a resource for local advice.

Moving anywhere new comes with challenges, but it can be worth it to find a new community you love which can improve your quality of life. Before making this major transition be sure certain tasks are squared away such as setting up insurance near Ridgewood and anything else you can do in advance. This way you can focus more on the benefits of your new home instead of the stress of moving.

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Storm Damage Recovery

There’s no time quite like spring. Not only because of the freshly-bloomed lilacs and roses, but also because of the unpredictable weather. No matter where you live, Mother Nature likes to throw temper tantrums in the springtime. These can be damaging and lead to costly repairs. If your home has encountered damage from a storm, know how to handle it.

Contact Your Insurance

Call your homeowner’s insurance immediately after the storm ends and you can safely assess any damage. If you live in a coastal state, chances are you’ve encountered your fair share of storm damage. Homeowner’s insurance in Connecticut, for example, probably gets these sorts of calls all too often. Living along the coast seems to infuriate Mother Nature most of all, but she doesn’t always discriminate. Whether you live in Iowa or have homeowners insurance in Connecticut, your insurer needs to know.

Be Careful

Proceed with caution when moving forward with any storm damage. If there is any electrical damage outside (like a telephone wire), DO NOT GO NEAR IT. Call your local fire department and alert authorities as soon as possible. Don’t allow children or pets to go near anything damaged by roping off the area. Children and animals are naturally curious beings, but you don’t want them to get hurt. Remind youngsters that the area is not safe and that they should not play there.

Exercise caution and safety after a big storm. Let your homeowner’s insurance play a part in repairing any possible destruction caused.

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What to do if You Are Injured at Work

Though high-risk industries like construction and automotive are more likely to see injured workers, the truth is that work injuries can happen at any job. You might slip and hurt your back on the wet bathroom floor, or perhaps slam your fingers in the door. There are steps to take if you sustain an injury on the job.

Look at Insurance

Chances are that your job has an insurance policy that covers work-related injuries. Go to your human resources agent and speak to them about how you can access these benefits. Companies like David Insurance have special worker’s compensation for situations like these. If your company has no worker’s comp, check into David Insurance and see if they can help.

Tell Your Supervisor

Let your direct supervisor know what has happened as soon as you are able to. There will be paperwork to fill out and documents to sign. Your supervisor might also have advice for you on how best to approach a doctor’s visit and file an insurance claim.

Take Care of Yourself

Do what you can to keep yourself healthy. After visiting the doctor, follow their recommendations closely. Take all medications prescribed to you, ice or heat the injury as needed and rest as much as you can. Not following the doctor’s orders could not only make your injury worse, but it might invalidate your insurance claim. Work injuries are the opposite of fun. Taking the right steps after sustaining one can get you back at work and back on your feet sooner.

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Restaurant by the Bay

Opening a restaurant is an exciting endeavor. Even more exciting is the prospect of opening a restaurant along the coast. As beautiful as the view might be, educate yourself on the potential risks of this lovely piece of real estate. You don’t want your dream to come crashing down after a disaster.

Insurance

First things first: pick a quality insurance agency that specializes in marina coverage. You might not own a boat, but being along the waterfront has risks of its own.

Flooding: High tides can result in unwelcome water making an appearance inside your property. Damages can be crippling, but a quality insurance agency can help.

Storm damage: When Mother Nature shows her fury, it can be powerful. Oceanside storms can cause property damage to windows, roofs and the structure as a whole.

Vessels: It’s unfortunate, but it happens: a badly steered boat can strike a building and cause serious damage. Being covered from these types of collisions can save hundreds of thousands of dollars.

Seafood Quality

Know exactly where your food is coming from, and be meticulous in proper refrigeration policies. The numbers don’t lie: every year, 48 million Americans get sick from foodborne illnesses. Establish a good relationship with reputable vendors and have strict policies with staff involving storing and reheating food.

Only you can decide if the risk is worth the reward when buying beachfront property. Running a business by the sea can be beneficial, but knowing the risks ahead of time can make your decision easier.

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Liability Insurance Addresses Specific Business Exposures

Purchasing a New Mexico Business Liability Policy should be at the top of your list of must have coverage. This is true for practically any new company, as well as for those in business for some time. Regardless of the size of your particular operation, it’s important that you review your coverage regularly. As your business grows and changes, so do your insurance needs and requirements. Therefore, it’s only prudent of you to ensure your assets are properly protected.

 

Every business has certain exposures and risks they face daily, and while this is the cost of doing business, it shouldn’t be so costly that it could cause permanent damage to your operations. Make sure to purchase general liability insurance, perhaps as the cornerstone of your insurance portfolio.

 

Liability insurance works as a kind of safety net

 

Your liability insurance coverage helps to protect your company’s assets and pays certain obligations. For example, you may be required to pay medical costs, which may be incurred if someone gets hurt on your property or, in the event that there are property damages or injuries caused by you or your employees. Another valuable part of having liability insurance is that it also covers the cost of your legal defense, along with any settlement or award when you are found liable for damages. The policy is also designed to cover claims of false or misleading advertising (including libel, slander, and copyright infringement).

 

In any business model there are certain perceived risks. Understanding this will help you to determine how much coverage you may need and whether you might also benefit from the purchase of a commercial umbrella policy. This is intended to provide you with coverage beyond your primary limits.

 

Any products and completed operations exposures you may face should also be covered under your general liability policy. That way, if there is a claim of bodily injury or property damage stemming from a product that you market, and that fails to perform properly, you’ll be covered under the policy for this as well.

 

It’s important that you have your contracts properly reviewed for potential liability exposures so that you’ll not be faced with issues due to being underinsured or otherwise improperly insured. A New Mexico Business Liability Policy is a major step in protecting everything you’ve worked so hard for.